LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,637
−HK$6,123/mo
▼ 0.25% · 3.875%
HK$100,674
−HK$3,086/mo
Today · 4.125%
HK$103,760
baseline
▲ 0.50% · 4.625%
HK$110,073
+HK$6,313/mo
Deposit HK$21.41M · loan HK$21.41M · min. income ≈ HK$207,520/mo (50% DSR)
Upfront cash ≈ HK$23.23M (deposit + AVD stamp duty HK$1,819,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,620
−HK$5,868/mo
▼ 0.25% · 3.875%
HK$111,533
−HK$2,955/mo
Today · 4.125%
HK$114,488
baseline
▲ 0.50% · 4.625%
HK$120,523
+HK$6,035/mo
Deposit HK$21.41M · loan HK$21.41M · min. income ≈ HK$228,976/mo (50% DSR)
Upfront cash ≈ HK$23.23M (deposit + AVD stamp duty HK$1,819,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,164
−HK$7,347/mo
▼ 0.25% · 3.875%
HK$120,809
−HK$3,702/mo
Today · 4.125%
HK$124,511
baseline
▲ 0.50% · 4.625%
HK$132,088
+HK$7,577/mo
Deposit HK$17.13M · loan HK$25.69M · min. income ≈ HK$249,022/mo (50% DSR)
Upfront cash ≈ HK$18.95M (deposit + AVD stamp duty HK$1,819,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,344
−HK$7,042/mo
▼ 0.25% · 3.875%
HK$133,840
−HK$3,546/mo
Today · 4.125%
HK$137,386
baseline
▲ 0.50% · 4.625%
HK$144,628
+HK$7,242/mo
Deposit HK$17.13M · loan HK$25.69M · min. income ≈ HK$274,772/mo (50% DSR)
Upfront cash ≈ HK$18.95M (deposit + AVD stamp duty HK$1,819,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,692
−HK$8,571/mo
▼ 0.25% · 3.875%
HK$140,943
−HK$4,320/mo
Today · 4.125%
HK$145,263
baseline
▲ 0.50% · 4.625%
HK$154,102
+HK$8,839/mo
Deposit HK$12.85M · loan HK$29.97M · min. income ≈ HK$290,526/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,819,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,068
−HK$8,216/mo
▼ 0.25% · 3.875%
HK$156,146
−HK$4,138/mo
Today · 4.125%
HK$160,284
baseline
▲ 0.50% · 4.625%
HK$168,733
+HK$8,449/mo
Deposit HK$12.85M · loan HK$29.97M · min. income ≈ HK$320,568/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,819,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,746
−HK$11,021/mo
▼ 0.25% · 3.875%
HK$181,213
−HK$5,554/mo
Today · 4.125%
HK$186,767
baseline
▲ 0.50% · 4.625%
HK$198,131
+HK$11,364/mo
Deposit HK$4.28M · loan HK$38.54M · min. income ≈ HK$373,534/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,819,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,516
−HK$10,563/mo
▼ 0.25% · 3.875%
HK$200,760
−HK$5,319/mo
Today · 4.125%
HK$206,079
baseline
▲ 0.50% · 4.625%
HK$216,942
+HK$10,863/mo
Deposit HK$4.28M · loan HK$38.54M · min. income ≈ HK$412,158/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,819,781 · Scale 2, in force from 26 Feb 2026)